Online Financial Calculators
Here you'll find dozens of financial calculators that are designed to be easy-to-use, yet flexible enough to meet the needs of financial professionals. We say "these calculators are not toys" because, unlike many online calculators, ours are date sensitive and some support changes to interest rates, payments or investment amounts. All are designed to work well on any device from modern smartphones and tablets to the largest computer monitors. Additionally, all calculators support user selectable international date formats and currency symbols. (Click on $ : MM/DD/YYYY in the lower right corner of any calculator. You'll only need to make the selection once.)
The Ultimate Financial Calculator is the calculator you should be using, for example, if you need to model complex cash flows; perform analytics (PV, ROR, etc.) on a cash flow; or calculate a loan payoff or investment balance as of a specific date. Here are 25 calculation tutorials to get you started. The other calculators give you somewhat less control over dates and rates in exchange for ease and speed of use.
102 Comments on “Online Calculators”
Join the conversation. Tell me what you think.
Dharmendra Kumar Pandit says:
Hey can any one help to calculate date of next payment receipt. My payment period is monthly. 1st receipt date is 01/01/2018 and I want to pay on 02/02/2018.
How to show next payment date.
Karl says:
You can use this amortization schedule which creates a loan payment schedule, or, if you need the ability to adjust the dates yourself, then you can use the Ultimate Financial Calculator.
Roger says:
I’ve contacted a person who said his software can help me pay off a mortgage debt that’s a little over 191,000 in 2.4 years with accelerated principle payments.He said his software will tell me when to save and then when to pay down principle at specific times to maximize savings of interest and therefore quicker total pay off. Only his software costs $5,500.Can your software help me . I told him I will hopefully will have $4,000 to apply extra monthly.
Karl says:
Did you try this extra payment calculator?
Of if you want to be able to make random, extra payments or extra payments for different amounts, then try this calculator. Scroll down the page to the tutorials. There are 2 about extra payments.
There is no magic formula when it comes to making extra payments that one person would know and no one else would. The sooner you make them the faster the loan will be paid off and the more you’ll save in interest. Do not spend $5,500 for a calculator that you can’t try first, or at least see sample output from.
web@pjinmobiliaria.es says:
Hi, thanks for your plugin, i have install de FC Mortgage Calculator and i have a problems:
* How can i choose a currency for default?? that always use €.
* How can i translate all th text to spanish??? now i am tranlating in code.
* I haven´t an seccion of plugin in my dashboard, is normally?
Karl says:
If you don’t mind making an edit, to the source code, you (the website owner) can change the currency. Here’s how to do it:
In the plugin folder, there is a js folder. Should be here with default install:
\wp-content\plugins\fc-mortgage-calculator\js
find this file:
interface.MORTGAGE-WIDGET.min.js
With a plain text editor, such as notepad open it up and search for this text:
a.CCY_CONVENTIONS=[{sep:”,”,dPnt:”.”,ccy:”$”,ccy_r:””}
Should be around row 7. Change the “$” to whatever you need as the example below. Save, and refresh the webpage
a.CCY_CONVENTIONS=[{sep:”,”,dPnt:”.”,ccy:”€”,ccy_r:””}
If you want the € on the right, replace ccy_r instead.
This will change the plugin’s default for you
The downside with this hack is, no one visiting the page will be able to set the currency to “$”. Or at least I don’t think they will be able to. I didn’t actually test that.
Hope this works for you.
I’m not sure about your other two questions. To translate, you have to translate in the code.
I don’t understand the 3rd question.
Sandra says:
Do you have a calculator for cap rate? I went through all the lists but didn’t see anything specific. It may be called something different.
Karl says:
Could you give me an example? Are you talking about an adjustable rate loan can you want to calculate the maximum (cap) interest rate? If so, a generic calculator isn’t going to do that for you. It would have to have the specific contract details to be able to calculate a max. interest rate.
Inzi says:
Dear Sir/ Madam,
I need a simple calculator to prepare loan amortisation schedules.
Should I buy the Cvalue or Solve IT?
Also once I purchase it for $ 50 or $ 60, is this a one off payment and do I need to pay a monthly or annual licence fee?
Thanks
Inzi
Karl says:
The license fee is a one time fee for either program.
If you like this amortization schedule better, then you should buy SolveIT!.
If you like this loan schedule calculator better, then you should buy C-Value!. SolveIT! also includes C-Value!.
Tony O'K says:
Trying to amend Currency and Date to Euro/European however the More drop down link to same doesn’t work AND there is no Save Changes button if I follow the suggestion to right click at the bottom of a Calculator.
Karl says:
You don’t right click on the bottom right of the calculator. If it says that somewhere, sorry but that’s an error. (Do you recall where you read that? I want to fix it.)
You simply left click on the $ : MM/DD/YYYY and the options will open. (I’ll have to fix the "More" too I see. Thanks for letting me know. I moved the site to a new host 2 weeks ago, and some things broke.)
Tony O'K says:
Hi Karl and thanks for your quick response.
Click on the Online Calculators tab above and this will open a page titled “Online Financial Calculators” – the reference to right clicking to change currency and date is at the end of the very first Paragraph on this page.
Left clicking on currency/date DOESN’T WORK as there is no “Save Changes” button to click on in the dialogue box which opens up so appreciate if you could look at this again and respond.
Like to Calculators, keep up the good work.
Karl says:
Hi Tony, no problem. My pleasure.
I think you might be skimming. 🙂 The last sentence of that paragraph does not say to right click. It says where to click is in the lower right corner.
"Click on $ : MM/DD/YYYY in the lower right corner of any calculator. You’ll only need to make the selection once."
Regardless, you say you left click and the dialog opens and there’s not a "Save changes" in the bottom right corner of the dialogue? Is the dialogue longer than your browser window? What browser are you using? Desktop? Mobile? I need to test more.
If you use the menu item to set currency under "More" at the top of any page, I see that it does not work with Microsoft browsers but does work with Chrome.
Tony O'K says:
Hi Karl – I’m using Chrome but also have Microsoft Edge installed on my brand new HP Pro-book Laptop and confirm the Dialogue box isn’t showing me any “Save Changes” button on either.
Confirm also that the More drop down Option to change Currency / Date isn’t working on either Browser for me . . . . . . So looks like more testing needed.
Correct on the skimming!
Regards, T
Karl says:
Tony, thanks for sending me the screenshot.
For those following along, the problem with the buttons not showing was fixed by reducing the browser’s magnification setting from 150% to 120%.
AMBER NICOLE GREENHART says:
Very helpful insightful and automatically gives you the best aspects on your money management.
Karl says:
Thank you. I appreciate the comment.
Rick says:
I feel like this is such a simple question, but I can’t figure it out. I’m trying to use the Loan Payoff Calculator to track a personal loan I made to a friend and this calculator is great because it allows me to put in additional principal payments that are made and change any variables so easily.
My simple question: I don’t see a download or buy button for this product so maybe it’s use isn’t charged, but I also don’t see a way to save my info to come back to the calculator and use it again and again. I’m sure I’m missing something so simple. . .
Thanks,
Rick
Karl says:
The loan payoff calculator does not offer the user a save feature.
What I can offer you is C-Value for Windows. It works like the above calculator, but, as the name indicates, you install it and run it on a Windows computer. That this program, you can save the data to disk for later use. The price is $49.95. Let me know if you have any questions.
Sue says:
Hi:
Very helpful website, thanks for all the useful calculators!
I am wondering if someone built a calculator that can figure out the breakeven point when it makes sense to cash savings bonds and buy CDs instead. It would have to take into account quite a few variables one would have to enter such as tax rate for federal, state as applicable, interest rate, period for investing, amount invested, interest earned on bonds to pay taxes on, etc. While it might not be a perfect calculation, it would help decision making and would allow playing what-ifs. Thanks.
Karl says:
Hi Sue, thank you. I’m glad you find the site useful.
As to your specific idea, I don’t have such a calculator. I would mind adding one though (but I have about 4 new ones in the works). I guess the issue for me is I’ll have to study the tax implication of cashing in a savings bond.
The Investment Calculator, on this site does allow one to buy and sell investments. I also allows for taxes on either interest/gain or withdrawal (as in withdrawal from IRA). Though not designed for your specific request, does it get you close?
Sue says:
Thanks for the quick reply, Karl. Not close enough, but maybe it would be a good starting base for for the one I am trying to find. As far as I know, savings bonds are fully taxable at the federal level, but tax-exempt at the state and local level. Interest income from savings bonds is subject to federal estate, gift and excise taxes as well as any state estate or inheritance taxes. However, I know only superficially about taxes. I would love to learn when maybe this savings bond vs. CD calculator will be available. Thanks.
Karl says:
No problem, Sue. I have no idea when a calculator would be available. I’m not sure I even understand the problem yet. As I mentioned, I have to educate myself, and at this stage, that could take some time! 🙂
Maggie Watts says:
I used Enterprise Amortization for years, but they no longer have a company. I am looking for and amortization table that will allow me to change payment amounts and recalculate interest for multiple loans. Do you have one that would fit?
Karl says:
I believe so. Please try this online loan payoff calculator for starters. If this meets your needs, then C-Value! is the solution for you (assuming you want to install the calculator on a Windows computer). C-Value will allow you to track any number of loans. Each loan is stored in its own file.
Kathy Piechura says:
I have a land contract (I’m the seller). The contract states that if they miss a payment or are late I can assess a $200 late fee. This has happened several times, but I cannot figure out how to adjust the amortization schedule . The buyer seems hasn’t been able to catch up and each month the $200 is assessed.
Karl says:
First, sorry for the tardy reply. I have been focus on building a new calculator and got side tracked for a few days.
Have you tried this calculator for calculating loan balances? There’s a "feed" option that permits you to add any amount to the loan on any date.
If this doesn’t work for you (or if it does!) please let me know and I promise I’ll reply sooner.